After 25 you can no longer wear hoodies or chucks, I think its codified in the unspoken statute of #menswear communicated by nods of approbation. Look at it this way, you didn't age out of the game, you're just in a different league now.

But seriously, switch to the much better world of sweaters or cardigans. If you sincerely must, then the answer is a navy hoodie with no visible logos or embellishments, nothing else. Zip or no zip doesn't matter, either one will at best make you look like you idolize Mark Zuckerberg. You can probably get one at American Apparel if they didn't close down while I was writing this.

Im 35 and started smartining up my wardrobe in my late 20's, i love the look of street wear (was always a supreme head), but really have to choose pieces carefully now, the prints and big logos are almost completly gone from my wardrobe, A plain zip up is acceptable still, gives u options with a complimenting colour tee underneath.